they killed their 9.99% plat flat card if anyone else has noticed, and made it identical and presumably "easier" to transition into td's emerald which gives you an interest rate of their choosing, usually 12.99 or 14.99 or something, in rare case they might give you 9.99 or less likely 7.99, but i feel like MBNA is about to come to end, and just like discover in canada when bmo bought it, MBNA will be ruined